getecretary mnuchin were to everything he once to get done outside of legislation, what would it meanine? >> it would be good. i don't have a number for you. , and therek about are three or four things that are important. leadership ine the agencies, people who have to get through congress. there are rules that have been pulled back or rethought. there are rules that have to be changed and actual legislation. secretary did is get input from investors, analysts, companies, professors, and said here is a set of principles we have to fix. the key one for us would be capital, liquidity requirements and capital technical rules and allowing more access to our capital account when we have $20 billion excess after the stress test. let us put that best in the market so somebody can use the capital because we don't need it to grow. those of the most important things, capital liquidity and things like that. >> oversight? >> voelker is too complex by everybody's admission. the question is what would that principles preventing a straightforward execution? you have five-six agencies working on diff